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Digitalization of regional banks: Is it a perceived need or a tribute to fashion?

Zver'kova T.N. Orenburg State University, Orenburg, Russian Federation ( tnzverkova@mail.ru )

Zver'kov A.I. Orenburg State University, Orenburg, Russian Federation ( orenbank@bk.ru )

Journal: Finance and Credit, #2, 2019

Subject Nowadays, under aggressive promotion of digital products by banks and digital technology companies, medium and small regional banks express a strong interest and willingness to move towards digitalization. They also make attempts to automate remote banking services and search for new areas and financial investments in digital transformation.
Objectives The study aims to summarize and systematize the existing approaches to the definition of digitalization and define its key components and areas, to investigate the possibilities of regional banks to change their business models with regard to digital transformation and searching for possible forms of partnership with financial technology companies.
Methods The study draws on methods of comparison, analysis and synthesis, expert evaluation, and generalization.
Results At present, regional banks do not have financial resources and technological capabilities to go digital. Medium-sized and small banks will have to either specialize in certain areas of digital banking intermediation or merge with other banks orFintech startups.
Conclusions It is crucial for regional banks to focus on transition from primitive forms of banking products to standardized, renewable customer-oriented digital products and services, rather than to aim at blind following the all areas of digitalization.


Financial intermediaries: functions, stages and motives of expansion

Zver'kov A.I. Orenburg State University, Orenburg, Russian Federation ( orenbank@bk.ru )

Zver'kova T.N. Orenburg State University, Orenburg, Russian Federation ( orenbank@bk.ru )

Journal: Financial Analytics: Science and Experience, #37, 2014

Importance The study of the current state of the domestic financial intermediation and correlation of the results obtained with the stages of economic development allow determining the stage of the development of the domestic financial and banking sectors, outlining the approaches to overcome the development gap from the world leaders.
     Objectives To understand the reasons of the negative phenomena in the economy, and in the financial and banking sectors, we intended to find and justify the features characterizing the level of development and forms of financial intermediation, to link them with the economic development stages.
     Methods In the paper, based on the study of the financial intermediation institutions functions, we analyze various aspects of the emergence and development of financial intermediaries and change of their functions. The study of financial intermediation conducted in terms of their functions is most commonly used for the financial intermediaries, since their functions are more stable in contrast to the institutions that are changing under the influence of competition or financial innovations.
     Results The study of the basic stages of the economic development allows to select the periods of emergence and development of financial intermediation and the corresponding expansion motives, when each stage of development corresponds to their function, form of expansion that allow to understand the reasons of the weak involvement of the domestic intermediaries in the value chain creation, and their presence at the level of the exchange fund.
     Conclusions and Relevance The domestic intermediaries participate in the creation of the new value by means of the simple (primitive) exchange operations without being able to accumulate their own resources to engage in investment business. The theoretical prerequisites of the study of the financial intermediaries, which we define in the paper, allow to identify their essential features, identify and classify the main approaches to the study, to determine the sequence of formation of expansion motives for the follow-up studies.


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